Right over the past few weeks i've been looking at ways of saving money etc...Already i've done the following :-

1. Mortgage is OK - im on a good deal for now.
2. Paid Car Insurance in Full instead of instalments.
3. Paid Home and contents insurance in full instead of instalments.
4. Cancelled my Sky.
5. Moved phone provider to my ISP.
6. Organised Water board to fit a water meter to my house.
7. Settled my Visa bill and swear i'm not using it ever

Can't think of much else to do, i only switched energy providers last year too.

Any more ideas ?

 

Turn your pants inside out to save washing, and don't turn the lights on!

 

Cut your credit card up mate

 

dont drive the car the distances you can walk (and yes you could walk very far )
dont trow money on fast food ect ect

 

always take a shower in cold water, but have all your cloths you could get on, and you wash them as well

 

you drive an evo dont you,

get a desile lol

 

where do you shop for groceries and fuel?

are your household energy suppliers the cheapest around?

where do you buy clothes from?

 

Instead of using a debit card for little things here and there, issue yourself with say £100 "flash" money each month, and spend ONLY that. You'd be amazed how much the odd fiver here and there on the debit card adds up each month.

 

www.moneysavingexpert.com

 

Thats probs a good idea, since i posted this am i've just spent £40 on Mot lol and £61 in petrol to go 333miles I do tend to shop wisely for food offers etc but i'm going to try Tesco Online as my local Co-op don't have too much choice, as for car use and clothes etc get stuffed lol im not walking about like a tramp and Zippy i ditched the Evo

 

Do you take cash out of the bank instead of using debit card to pay for things? i tend to waste cash if i take it out, so never carry any on me, saves a few pennies

Sell your unwanted bits on ebay, have a house clearout

change all your lightbulbs to power saving, turn appliances off etc, saves u money, oh and put your washing machine on during the night, it costs less

Shop at butchers and fruit shops for your groceries, much cheaper and cost effective compared to supermarkets

walk as much as you can to save on petrol costs

dont have takeaway foods, they cost an awful lot, its cheaper to get fresh and do it yourself, and tastes better!

Sarah

 

you looked at your cavity wall insulation, double glazing etc..?

failing that put used tea bags on clothes line to reuse

 

I swear, I am an expert on saving.

As said, give yourself a certain amount per WEEK, then live on that, no mags, choccy bars, chippys, etc etc

You will be amazed at what you don't need and the money will last you.

I used to get paid weekly and would take 100 quid out, this then had to last me a week for everything (not including bills) and I could do it.

Buy food like potatoes and pasta etc, these can be the main part of a meal and will be cheap and last ages. Look at your shopping, is it full of frozen crap that costs ££££, are you buying branded cleaning items, get the stuff thats 2-1 etc

Without a doubt, they easiest way to save is by having a smaller budget in the wallet, no credit card and thinking before you buy.

On an average day you could

Have cerial for breakfast 50p
Pack lunch to work £1.50
Home cooked evening meal £6
Cerial Supper 50p

Total £3102.00

or

Cafe' breakfast £3
Chippy lunch £3
Take away evening meal £10
Cerial supper

Total per year £5840

So you could save around 2500 quid a year

Then take away things like paper, magazines, sweets, pop etc

 

MattS1 - do you want to be my lodger/slave Thanks for that - i quite like too cook actually but i'm trying to be on a bit of a health kick too and tend to buy a stuff like the Birdseye steamfresh stuff etc...as well as making a mean curry - in fact in the oven now is jacket spud, low fat chilli frozen thingy

 

reading some of these tips i would have guessed it was in the fitness section!!

im sure you'll lose weight / gain energy following the diet advice as well as save dosh!

 

thats because most people in this day and age " dont have time" to cook, and eat loads of expensive junk food, when in actual fact its quicker to whip summat up instead of getting a takeaway,

save money and shape up, what more could you want

 

I think it was due to me being paid shit money when I was younger, so had to make it last, then as the business took of the money went up but the spending cycle never really changed.

When i was looking to buy my first place i saved 20k in under 2 years

another trick is to build up 1k in the bank, then it just seems to grow and grow, I would get really agro at myself i it ever fell below the 1k mark and would be chuffed to see more cash in the bank when ever I went to draw out my weekly allowance

The upside to this is i never ever think about payday, never have to borrow money and can always treat myslef if I want to

I managed to sort my misses money out for her and she clear 9k in 12 months

It's not about being tight, it is just a case of not buying tat that you don't need, don't let people spunge of you either, how many times have you sat in a pub while a mate sits and smoke all your fags, or bought a first round only for half the people to sod of after a pint or two??

One thing that did used to grate me was when we would all go out as a group, the mates birds would all be bought drink - vodkas etc, then not buy a round themselves fine if it's your misses, some of us were single at the time and would be stung for buying them drinks all night